System and method for workflow behavior alerts

Abstract

Embodiments of the invention are directed to systems, methods and computer program products for providing workflow behavior alerts. An exemplary apparatus is configured to monitor characteristics associated with user accounts, identify characteristics for further analysis that affect a value of the user accounts, detect an occurrence of a triggering event based at least partially on the analysis of the characteristics, where the triggering event is defined by one or more rules, initiate a first action in response to detecting the occurrence of the triggering event, wherein the first action comprises sending the user a notification that indicates the occurrence of the triggering event or processing at least one transaction associated with a user account, receive a request to reverse the at least one transaction processed, and reverse the at least one transaction processed in response to receiving the request.

What is claimed is: 
     
         1 . A system for providing workflow behavior alerts, the apparatus comprising:
 a memory device with computer-readable program code stored thereon;   a communication device;   a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute the computer-readable program code to:   monitor a plurality of accounts of an account holder, wherein monitoring the plurality of accounts further comprises monitoring individual characteristics of each of the plurality of accounts;   identify one or more of the individual characteristics for further analysis, wherein the one or more of the individual characteristics represent a numerical value of the plurality of accounts of the account holder;   receive authorization to automatically process transactions on behalf of the account holder based at least partially on detecting an occurrence of a triggering event, wherein the authorization includes criteria for automatically processing transactions on behalf of the account holder, and wherein the criteria specifies (a) transaction types and (b) transaction amounts that can be automatically processed on behalf of the account holder;   detect the occurrence of the triggering event based at least partially on the further analysis of one or more characteristics, wherein the triggering event is defined by one or more rules;   initiate a first action in response to detecting the occurrence of the triggering event, wherein the first action comprises at least one of sending a user a notification that indicates the occurrence of the triggering event or automatically processing at least one transaction associated with an account of the account holder based at least partially on determining the transaction meets the criteria specified in the received authorization;   receive a request, from the account holder, to reverse the at least one transaction processed; and   reverse the at least one transaction processed in response to receiving the request.   
     
     
         2 . The system of  claim 1 , wherein the system is further configured to identify the at least one characteristic based at least partially on determining the characteristic has not been altered within a predetermined time period. 
     
     
         3 . The system of  claim 1 , wherein the system is further configured to identify the at least one characteristic based at least partially on determining the characteristic has been altered within a predetermined time period. 
     
     
         4 . The system of  claim 3 , wherein the system is further configured to:
 identify an initial sample value associated with the at least one characteristic, wherein the initial sample value is identified at a beginning of a predetermined time period;   identify one or more additional sample values associated with the at least one characteristic, wherein the additional sample values are identified after the beginning of the predetermined time period; and   determine based at least partially on a comparison of the sample values whether or not the characteristic has been altered.   
     
     
         5 . The system of  claim 1 , wherein the system is further configured to:
 establish the one or more rules for defining triggering events;   determine one or more trends associated with at least one altered characteristic; and   determine the triggering event has occurred based at least partially on analyzing the one or more trends with respect to the one or more rules for defining triggering events.   
     
     
         6 . The apparatus of  claim 1 , wherein the system is further configured to:
 provide the user an offer to process a transaction in response to sending the notification;   receive the user's acceptance of the offer to process the transaction; and   process the transaction in response to receiving the users acceptance of the offer.   
     
     
         7 . The system of  claim 1 , wherein the system is further configured to receive authorization to automatically process the at least one transaction on behalf of the user. 
     
     
         8 . The system of  claim 1 , wherein the system is further configured to notify the user of the at least one transaction processed on behalf of the user. 
     
     
         9 . The system of  claim 1 , wherein the system is further configured to:
 initiate processing the at least one transaction on behalf of the user;   request a confirmation to process the transaction on behalf of the user;   receive the confirmation to process the transaction on behalf of the user; and   process the transaction on behalf of the user in response to receiving the confirmation.   
     
     
         10 . The system of  claim 8 , wherein the system is further configured to:
 provide the user an option to edit one or more transaction details associated with a confirmation;   receive the one or more edited transaction details; and   process the transaction on behalf of the user based at least partially on the one or more edited transaction details.   
     
     
         11 . The system of  claim 1 , wherein the system is further configured to initiate one or more secondary actions in response to detecting the occurrence of the triggering event. 
     
     
         12 . The system of  claim 1 , wherein the system is further configured to confirm the account has been restored to its initial state prior to the at least one transaction being processed. 
     
     
         13 . The system of  claim 1 , wherein the system is further configured to present a graphical representation that illustrates a trend associated with the at least one characteristic. 
     
     
         14 . The system of  claim 1 , wherein the system is further configured to receive a predetermined threshold amount, wherein the predetermined threshold amount is associated with the one or more rules for defining triggering events. 
     
     
         15 . The system of  claim 1 , wherein the triggering event is not related to user account data. 
     
     
         16 . The system of  claim 1 , wherein at least one characteristic is associated with the user account balance, user account interest rate, or user account percentage of annual yield. 
     
     
         17 . The system of  claim 1 , wherein the one or more rules specify details associated with parameters of the characteristics that define the triggering event. 
     
     
         18 . A computer program product for providing workflow behavior alerts,
 the computer program product comprising at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:
 an executable portion configured for monitoring characteristics associated with user accounts; 
 an executable portion configured for identifying one or more characteristics for further analysis, wherein the one or more characteristics for further analysis affect a value of the user accounts; 
 an executable portion configured for detecting an occurrence of a triggering event based at least partially on the further analysis of one or more characteristics, wherein the triggering event is defined by one or more rules; 
 an executable portion configured for initiating a first action in response to detecting the occurrence of the triggering event, wherein the first action comprises sending a user a notification that indicates the occurrence of the triggering event or processing at least one transaction associated with a user account; 
 an executable portion configured for receiving a request to reverse the at least one transaction processed; and 
 an executable portion configured for reversing the at least one transaction processed in response to receiving the request. 
   
     
     
         19 . The computer program product of  claim 16 , wherein the computer program product further comprises a set of code for causing a computer to:
 provide the user an offer to process a transaction in response to sending the notification;   receive the user's acceptance of the offer to process the transaction; and   process the transaction in response to receiving the users acceptance of the offer.   
     
     
         20 . The computer program product of  claim 16 , wherein the computer program product further comprises a set of code for causing a computer to:
 initiate processing the at least one transaction on behalf of the user;   request a confirmation to process the transaction on behalf of the user;   receive the confirmation to process the transaction on behalf of the user; and   process the transaction on behalf of the user in response to receiving the confirmation.   
     
     
         21 . A method for providing workflow behavior alerts, the method comprising:
 monitoring characteristics associated with user accounts;   identifying one or more characteristics for further analysis, wherein the one or more characteristics for further analysis affect a value of the user accounts;   detecting an occurrence of a triggering event based at least partially on the further analysis of one or more characteristics, wherein the triggering event is defined by one or more rules;   initiating a first action in response to detecting the occurrence of the triggering event, wherein the first action comprises sending a user a notification that indicates the occurrence of the triggering event or processing at least one transaction associated with a user account;   receiving a request to reverse the at least one transaction processed; and   reversing the at least one transaction processed in response to receiving the request.   
     
     
         22 . The method of  claim 22 , wherein the method further comprises:
 providing the user an offer to process a transaction in response to sending the notification;   receiving the user's acceptance of the offer to process the transaction; and   processing the transaction in response to receiving the users acceptance of the offer.   
     
     
         23 . The method of  claim 21 , wherein the method further comprises:
 initiating processing the at least one transaction on behalf of the user;   requesting a confirmation to process the transaction on behalf of the user;   receiving the confirmation to process the transaction on behalf of the user; and   processing the transaction on behalf of the user in response to receiving the confirmation.